1st Advantage MortgageFrio County households have a median income of $66,010 and median rent of $1,016 a month (ACS 2020 to 2024). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Frio County by the numbers
- Work, industries and travel time in Frio County
- Household income in Frio County
- Housing costs in Frio County
- How Frio County compares with nearby counties
- Frio County towns compared
- More Frio County figures
- Borrowing situations common in Frio County
- A Frio County household budget, worked through
- Lender oversight for Frio County
- Before you sign
- Related local guides
- Frequently asked questions
Frio County by the numbers
Roughly 18,582 residents live in Frio County, Texas, 129th by population among the state's 254 counties and county equivalents. It covers 1,134 square miles of land, or about 16 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 6 Census places inside Frio County, Pearsall leads by population with about 9,045; 2 of the 6 are incorporated.
Work, industries and travel time in Frio County
Agriculture, forestry and mining employs 20% of working residents, the largest share; education and health care is next with 16%. The sharpest difference from the state is in agriculture, forestry and mining, at 20% locally and 2% for Texas. The survey's unemployment rate for Frio County averages 5.6% over 2020 to 2024 (state: 5.3%). Long commutes are the exception here: 14% of workers spend 45 minutes or longer getting to work. Only 10.4% of homes here go without a vehicle.
| Sector | Frio County | Compared with Texas |
|---|---|---|
| Agriculture, forestry and mining | 19.6% | +17.3 pts |
| Education and health care | 16.1% | -5.5 pts |
| Public administration | 9.4% | +5.3 pts |
| Professional and administrative services | 8.8% | -4.1 pts |
| Retail trade | 8.6% | -2.4 pts |
| Transportation, warehousing and utilities | 8.2% | +1.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Household income in Frio County
At $66,010, the typical Frio County household income sits near the median U.S. county ($65,681). In the state ranking that is 118th of 254.
| Household income | Frio County | vs Texas |
|---|---|---|
| Under $35,000 | 30.1% | +8.7 pts |
| $35,000 to $99,999 | 42.0% | +2.6 pts |
| $100,000 to $199,999 | 26.2% | -0.6 pts |
| $200,000 or more | 1.7% | -10.8 pts |
The spread is wide: 28% of Frio County households make $100,000 or more, and 30% make less than $35,000. Census counts 19.5% of Frio County residents in poverty, against 13.8% across Texas. Income inequality, measured by the Gini index, comes to 0.421 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Housing costs in Frio County
Renters in Frio County pay a median of $1,016 a month, 28% below the Texas figure of $1,403. Rent takes 30% or more of income for 42% of renter households here. Home values center on $107,700, or 1.6 years of median income. 59% of Frio County households own their home and 41% rent. Median construction year: 1986.
| Housing | Frio County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,016/mo | $1,403/mo | $877/mo |
| Median home value | $107,700 | $283,800 | $185,300 |
| Owners | 59% | 63% | 75% |
| Rent-burdened renters | 42% | 52% | 45% |
| Burdened owners | 19% | 29% | n/a |
How Frio County compares with nearby counties
Six nearby counties, 33 to 50 miles away by the straight-line distance between their centers. Medina County leads the group on income ($78,074), Zavala County trails ($36,749), and Frio County out-earns 4 of the six.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Frio County | - | $66,010 | $1,016/mo | 59% |
| Medina County, TX | 33 mi | $78,074 | $1,196/mo | 84% |
| Atascosa County, TX | 35 mi | $70,770 | $1,061/mo | 77% |
| La Salle County, TX | 36 mi | $57,716 | $819/mo | 76% |
| Zavala County, TX | 39 mi | $36,749 | $548/mo | 69% |
| McMullen County, TX | 46 mi | $43,875 | $758/mo | 78% |
| Dimmit County, TX | 50 mi | $38,808 | $823/mo | 67% |
Frio County towns compared
The table lists the 6 largest of 6 Census places in Frio County, by population. Together all 6 hold about 15,381 people, so roughly 17% of residents live outside any named place. Among places of 500 or more people, median income runs from $49,198 in Pearsall to $69,418 in Bigfoot. None of the 6 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Pearsall | city | 9,045 | $49,198 | $948 | 2 mi |
| Dilley | city | 3,769 | $62,600 | $1,279 | 15 mi |
| Bigfoot | CDP | 1,067 | $69,418 | n/a | 20 mi |
| Hilltop | CDP | 688 | n/a | n/a | 13 mi |
| North Pearsall | CDP | 440 | $102,361 | n/a | 4 mi |
| Moore | CDP | 372 | $42,571 | n/a | 14 mi |
A CDP is a named community without its own municipal government.
More Frio County figures
Degree holders: 12% of adults over 25. The uninsured rate is 15.1%, against 17.1% for Texas.
| People and households | Frio County | Texas | Median county |
|---|---|---|---|
| Median age | 32.3 | 35.6 | 41.5 |
| Bachelor's or higher | 11.9% | 33.8% | 22.2% |
| No high school diploma | 28.5% | 14.0% | n/a |
| No health insurance | 15.1% | 17.1% | 7.8% |
| No vehicle | 10.4% | 5.4% | 5.4% |
| Work from home | 1.7% | 14.4% | 8.7% |
| Poverty rate | 19.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.6% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 46.3% |
| 15 to 29 min | 33.7% |
| 30 to 44 min | 6.1% |
| 45 to 59 min | 7.7% |
| 60+ min | 6.2% |
Borrowing situations common in Frio County
The county's numbers point to a few situations that come up often for Frio County borrowers.
- Health costs. With 15% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Repairs on manufactured housing. With 22% of homes here, compare a personal loan with any dealer or park repair program.
- Lower-cost alternatives. In a county with 20% in poverty, nonprofit credit counseling may beat a loan (options).
A Frio County household budget, worked through
Frio County at the medians, through a lender's eyes (what DTI means):
- Start: $5,501 gross per month ($66,010 / 12)
- Less median rent of $1,016, which is 18% of it
- $1,349: what a 43% ratio leaves once rent is paid
If your rent is above $1,016, the room shrinks dollar for dollar.
Lender oversight for Frio County
Before sharing details with a lender, a Frio County resident can confirm its license with the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Federal complaints: consumerfinance.gov. See the Texas state guide for the statewide picture.
Before you sign
A short checklist for Frio County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- A Texas license check takes minutes; do it first.
- Ask a Frio County credit union about member loans.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What is the median household income in Frio County?
$66,010 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 118th of 254 in the state.
Is Frio County expensive for renters?
Median rent is $1,016 against $1,403 statewide, and 42% of renter households are cost-burdened.
I live in a small Frio County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Pearsall, Dilley, Bigfoot, Hilltop, North Pearsall and 1 more.
Will a Frio County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a Frio County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.